Logo of Saudi Investment Bank (SAIB)
The Saudi Investment Bank’s (SAIB) net special commission income (NSCI) edged down to SAR 899 million in Q2 2026 from SAR 905 million a year ago, according to its latest investor presentation. 
Fee and other income rose 26% to SAR 207 million from SAR 164 million in Q2 2025.
Consequently, total operating income increased 3.4% to SAR 1.11 billion in Q2 2026 from SAR 1.07 billion in the year-earlier period.
NSCI and Fee Other Income (SAR mln)
Item
2025
2026
YoY change
Q2
Q3
Q4
Q1
Q2
NSCI
905
857
874
905
899
(0.7%)
Fee other income
164
189
218
151
207
26%
Total operating income
1,070
1,046
1,093
1,057
1,106
3.4%
Net interest margin (NIM) declined by 22 basis points to 2.13% by the end of Q2 2026 from 2.35% a year ago, as the yield on commissions declined at a faster pace than the cost of funding.
Meanwhile, SAIB continued to improve its operating efficiency, with the cost-to-income ratio (CIR) declining to 39.5% in Q2 2026 from 41% in the year-earlier period.
The bank’s asset quality also improved, as the non-performing loan (NPL) ratio declined to 0.91% from 0.96% in Q2 2025.
This positively impacted the NPL coverage ratio, which rose to 201.8% in the quarter from 165.7% in the comparable quarter.
NPL Ratio and Coverage Ratio
Item
2025
2026
Q2
Q3
Q4
Q1
Q2
NPLs-to-Total Loans Ratio
0.96%
0.94%
0.95%
0.94%
0.91%
NPL coverage ratio
165.7%
168.9%
184.1%
194.1%
201.8%
Total assets rose 9.6% YoY to SAR 184 billion, mainly driven by an 8.2% increase in net loans and advances to SAR 117.3 billion, alongside an 8.9% increase in net investments to SAR 47.3 billion.
Assets (SAR bln)
Item
Q2
2025
Q1
2026
Q2
2026
YoY
change
QoQ
change
Cash and balances with SAMA
9.4
9.7
8.7
(7.3%)
(10.0%)
Due from banks and financial institutions
1.1
1.9
3.9
262.4%
100.6%
Net investments
43.5
46.9
47.3
8.9%
0.8%
Net loans and advances
108.4
115.6
117.3
8.2%
1.5%
Other assets
5.5
6.1
6.8
23.9%
10.9%
Total assets
167.8
180.3
184.0
9.6%
2.1%
Corporate customers accounted for the largest share of the loan portfolio at 90%, after loans to the segment grew 30% YoY to SAR 105.6 billion by the end of Q2 2026.
Loan Portfolio by Customer Type (SAR bln)
Customer type
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Corporate
81.3
83.1
84.4
87.5
105.6
90%
Retail*
25.3
25.7
25.8
26.3
10.6
9%
Other
1.9
1.9
1.9
1.8
1.2
1%
Total loans
108.4
110.6
112.1
115.6
117.3
100%
* Includes overdraft loans.
Other segments accounted for the largest share of the bank’s financing portfolio at 43%, or SAR 50.4 billion, followed by utilities and building construction segments, each accounting for 13%, or SAR 15.2 billion.
The building construction segment recorded the highest growth, rising about 55% YoY, or SAR 5.4 billion.
Meanwhile, the commerce segment declined 17% YoY to SAR 11.7 billion, accounting for 10% of the bank’s financing portfolio in Q2 2026.
Loan Portfolio by Segment (SAR bln)
Segment
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Commerce
14.1
12.2
12.3
11.6
11.7
10%
Banks financial institutions
10.8
12.2
11.2
11.6
11.7
10%
Consumer
13.0
12.2
12.3
11.6
12.9
11%
Building construction
9.8
13.3
14.6
15.0
15.2
13%
Utilities
15.2
15.5
15.7
15.0
15.2
13%
Others*
45.5
45.3
47.1
49.7
50.4
43%
Total loans
108.4
110.6
112.1
115.6
117.3
100%
* Includes private banking and government/semi-government loans.
The increase in net investments was driven by higher investments in banks and financial institutions, which recorded the highest YoY growth of 21%, or SAR 3.3 billion, to SAR 19 billion and accounting for 40% of the total investment portfolio.
Meanwhile, the government and quasi-government investments accounted for the largest share of the portfolio at 48%, or SAR 22.9 billion, after rising about 4% YoY.
Net Investments (SAR bln)
Sector
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Government quasi-government
22.1
22.6
23.6
23.5
22.9
48%
Banks and financial institutions
15.7
18.0
18.0
17.8
19.0
40%
Corporate
5.7
5.8
5.7
5.6
5.5
12%
Total investments
43.5
46.4
47.2
46.9
47.3
100%
Customer deposits grew 21.3% YoY to SAR 121.6 billion, but declined 1.1% quarter-on-quarter (QoQ) in Q2 2026.
Liabilities (SAR bln)
Item
Q2
2025
Q1
2026
Q2
2026
YoY
change
QoQ
change
Due to banks other financial institutions
44.2
29.1
32.5
(26.5%)
11.7%
Customer deposits
100.2
122.9
121.6
21.3%
(1.1%)
Term loans
0.0
3.4
3.4
—
0.2%
Other liabilities
1.8
2.1
1.8
1.8%
(14.1%)
Total liabilities
146.2
157.4
159.2
8.9%
1.1%
Time deposits increased 36% YoY, or SAR 25.8 billion, to SAR 96.6 billion in Q2 2026, while demand deposits declined 18% YoY to SAR 22.8 billion.
Deposits by Type (SAR bln)
Item
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Time deposits
70.8
77.8
81.8
96.3
96.6
79%
Demand deposits
27.9
25.9
26.2
24.9
22.8
19%
Other
1.5
1.5
1.6
1.7
2.1
2%
Total deposits
100.2
105.2
109.6
122.9
121.6
100%
Time deposits continued to account for the largest share of SAIB’s total deposits, at 79% in the quarter ended June 30, 2026, versus 71% in Q2 2025.
By customer type, retail deposits accounted for the largest share at 76%, reaching SAR 92.4 billion, after rising 28% YoY, or SAR 20.1 billion.
Meanwhile, corporate deposits declined 15% YoY to SAR 10.9 billion in Q2 2026.
Deposits by Customer Type (SAR bln)
Item
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Retail
72.3
73.5
79.5
93.0
92.4
76%
Corporate
12.9
14.1
14.3
12.9
10.9
9%
Other
15.1
17.5
15.9
17.0
18.2
15%
Total deposits
100.2
105.2
109.6
122.9
121.6
100%
Logo of Saudi Investment Bank (SAIB)
The Saudi Investment Bank’s (SAIB) net special commission income (NSCI) edged down to SAR 899 million in Q2 2026 from SAR 905 million a year ago, according to its latest investor presentation.
Fee and other income rose 26% to SAR 207 million from SAR 164 million in Q2 2025.
Consequently, total operating income increased 3.4% to SAR 1.11 billion in Q2 2026 from SAR 1.07 billion in the year-earlier period.
NSCI and Fee Other Income (SAR mln)
Item
2025
2026
YoY change
Q2
Q3
Q4
Q1
Q2
NSCI
905
857
874
905
899
(0.7%)
Fee other income
164
189
218
151
207
26%
Total operating income
1,070
1,046
1,093
1,057
1,106
3.4%
Net interest margin (NIM) declined by 22 basis points to 2.13% by the end of Q2 2026 from 2.35% a year ago, as the yield on commissions declined at a faster pace than the cost of funding.
Meanwhile, SAIB continued to improve its operating efficiency, with the cost-to-income ratio (CIR) declining to 39.5% in Q2 2026 from 41% in the year-earlier period.
The bank’s asset quality also improved, as the non-performing loan (NPL) ratio declined to 0.91% from 0.96% in Q2 2025.
This positively impacted the NPL coverage ratio, which rose to 201.8% in the quarter from 165.7% in the comparable quarter.
NPL Ratio and Coverage Ratio
Item
2025
2026
Q2
Q3
Q4
Q1
Q2
NPLs-to-Total Loans Ratio
0.96%
0.94%
0.95%
0.94%
0.91%
NPL coverage ratio
165.7%
168.9%
184.1%
194.1%
201.8%
Total assets rose 9.6% YoY to SAR 184 billion, mainly driven by an 8.2% increase in net loans and advances to SAR 117.3 billion, alongside an 8.9% increase in net investments to SAR 47.3 billion.
Assets (SAR bln)
Item
Q2
2025
Q1
2026
Q2
2026
YoY
change
QoQ
change
Cash and balances with SAMA
9.4
9.7
8.7
(7.3%)
(10.0%)
Due from banks and financial institutions
1.1
1.9
3.9
262.4%
100.6%
Net investments
43.5
46.9
47.3
8.9%
0.8%
Net loans and advances
108.4
115.6
117.3
8.2%
1.5%
Other assets
5.5
6.1
6.8
23.9%
10.9%
Total assets
167.8
180.3
184.0
9.6%
2.1%
Corporate customers accounted for the largest share of the loan portfolio at 90%, after loans to the segment grew 30% YoY to SAR 105.6 billion by the end of Q2 2026.
Loan Portfolio by Customer Type (SAR bln)
Customer type
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Corporate
81.3
83.1
84.4
87.5
105.6
90%
Retail*
25.3
25.7
25.8
26.3
10.6
9%
Other
1.9
1.9
1.9
1.8
1.2
1%
Total loans
108.4
110.6
112.1
115.6
117.3
100%
* Includes overdraft loans.
Other segments accounted for the largest share of the bank’s financing portfolio at 43%, or SAR 50.4 billion, followed by utilities and building construction segments, each accounting for 13%, or SAR 15.2 billion.
The building construction segment recorded the highest growth, rising about 55% YoY, or SAR 5.4 billion.
Meanwhile, the commerce segment declined 17% YoY to SAR 11.7 billion, accounting for 10% of the bank’s financing portfolio in Q2 2026.
Loan Portfolio by Segment (SAR bln)
Segment
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Commerce
14.1
12.2
12.3
11.6
11.7
10%
Banks financial institutions
10.8
12.2
11.2
11.6
11.7
10%
Consumer
13.0
12.2
12.3
11.6
12.9
11%
Building construction
9.8
13.3
14.6
15.0
15.2
13%
Utilities
15.2
15.5
15.7
15.0
15.2
13%
Others*
45.5
45.3
47.1
49.7
50.4
43%
Total loans
108.4
110.6
112.1
115.6
117.3
100%
* Includes private banking and government/semi-government loans.
The increase in net investments was driven by higher investments in banks and financial institutions, which recorded the highest YoY growth of 21%, or SAR 3.3 billion, to SAR 19 billion and accounting for 40% of the total investment portfolio.
Meanwhile, the government and quasi-government investments accounted for the largest share of the portfolio at 48%, or SAR 22.9 billion, after rising about 4% YoY.
Net Investments (SAR bln)
Sector
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Government quasi-government
22.1
22.6
23.6
23.5
22.9
48%
Banks and financial institutions
15.7
18.0
18.0
17.8
19.0
40%
Corporate
5.7
5.8
5.7
5.6
5.5
12%
Total investments
43.5
46.4
47.2
46.9
47.3
100%
Customer deposits grew 21.3% YoY to SAR 121.6 billion, but declined 1.1% quarter-on-quarter (QoQ) in Q2 2026.
Liabilities (SAR bln)
Item
Q2
2025
Q1
2026
Q2
2026
YoY
change
QoQ
change
Due to banks other financial institutions
44.2
29.1
32.5
(26.5%)
11.7%
Customer deposits
100.2
122.9
121.6
21.3%
(1.1%)
Term loans
0.0
3.4
3.4
—
0.2%
Other liabilities
1.8
2.1
1.8
1.8%
(14.1%)
Total liabilities
146.2
157.4
159.2
8.9%
1.1%
Time deposits increased 36% YoY, or SAR 25.8 billion, to SAR 96.6 billion in Q2 2026, while demand deposits declined 18% YoY to SAR 22.8 billion.
Deposits by Type (SAR bln)
Item
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Time deposits
70.8
77.8
81.8
96.3
96.6
79%
Demand deposits
27.9
25.9
26.2
24.9
22.8
19%
Other
1.5
1.5
1.6
1.7
2.1
2%
Total deposits
100.2
105.2
109.6
122.9
121.6
100%
Time deposits continued to account for the largest share of SAIB’s total deposits, at 79% in the quarter ended June 30, 2026, versus 71% in Q2 2025.
By customer type, retail deposits accounted for the largest share at 76%, reaching SAR 92.4 billion, after rising 28% YoY, or SAR 20.1 billion.
Meanwhile, corporate deposits declined 15% YoY to SAR 10.9 billion in Q2 2026.
Deposits by Customer Type (SAR bln)
Item
2025
2026
Share of portfolio
Q2
Q3
Q4
Q1
Q2
Retail
72.3
73.5
79.5
93.0
92.4
76%
Corporate
12.9
14.1
14.3
12.9
10.9
9%
Other
15.1
17.5
15.9
17.0
18.2
15%
Total deposits
100.2
105.2
109.6
122.9
121.6
100%
